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X FINANCIAL-ADR (XYF) Stock Fundamental Analysis

NYSE:XYF - US98372W2026 - ADR

15 USD
-0.2 (-1.32%)
Last: 9/2/2025, 10:11:00 AM
Fundamental Rating

5

Overall XYF gets a fundamental rating of 5 out of 10. We evaluated XYF against 54 industry peers in the Consumer Finance industry. XYF scores excellent on profitability, but there are some minor concerns on its financial health. XYF has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

XYF had positive earnings in the past year.
Of the past 5 years XYF 4 years were profitable.
Of the past 5 years XYF 4 years had a positive operating cash flow.
XYF Yearly Net Income VS EBIT VS OCF VS FCFXYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

XYF has a Return On Assets of 13.52%. This is amongst the best in the industry. XYF outperforms 94.44% of its industry peers.
XYF has a Return On Equity of 21.99%. This is amongst the best in the industry. XYF outperforms 85.19% of its industry peers.
XYF's Return On Invested Capital of 32.59% is amongst the best of the industry. XYF outperforms 96.30% of its industry peers.
The Average Return On Invested Capital over the past 3 years for XYF is significantly above the industry average of 11.02%.
The last Return On Invested Capital (32.59%) for XYF is above the 3 year average (16.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 13.52%
ROE 21.99%
ROIC 32.59%
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
XYF Yearly ROA, ROE, ROICXYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

XYF's Profit Margin of 24.76% is amongst the best of the industry. XYF outperforms 90.74% of its industry peers.
XYF's Profit Margin has been stable in the last couple of years.
The Operating Margin of XYF (62.29%) is better than 100.00% of its industry peers.
XYF's Operating Margin has improved in the last couple of years.
XYF's Gross Margin of 72.95% is fine compared to the rest of the industry. XYF outperforms 66.67% of its industry peers.
In the last couple of years the Gross Margin of XYF has grown nicely.
Industry RankSector Rank
OM 62.29%
PM (TTM) 24.76%
GM 72.95%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
XYF Yearly Profit, Operating, Gross MarginsXYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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5

2. Health

2.1 Basic Checks

XYF has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
XYF has a better debt/assets ratio than last year.
XYF Yearly Shares OutstandingXYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
XYF Yearly Total Debt VS Total AssetsXYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

XYF has an Altman-Z score of 2.92. This is not the best score and indicates that XYF is in the grey zone with still only limited risk for bankruptcy at the moment.
XYF has a Altman-Z score of 2.92. This is amongst the best in the industry. XYF outperforms 87.04% of its industry peers.
A Debt/Equity ratio of 0.34 indicates that XYF is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.34, XYF is doing good in the industry, outperforming 79.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF N/A
Altman-Z 2.92
ROIC/WACC11.98
WACC2.72%
XYF Yearly LT Debt VS Equity VS FCFXYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

XYF has a Current Ratio of 1.50. This is a normal value and indicates that XYF is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.50, XYF is in the better half of the industry, outperforming 68.52% of the companies in the same industry.
XYF has a Quick Ratio of 1.50. This is a normal value and indicates that XYF is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.50, XYF is in the better half of the industry, outperforming 68.52% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.5
Quick Ratio 1.5
XYF Yearly Current Assets VS Current LiabilitesXYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 34.50% over the past year.
XYF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.75% yearly.
The Revenue has grown by 31.56% in the past year. This is a very strong growth!
Measured over the past years, XYF shows a quite strong growth in Revenue. The Revenue has been growing by 13.71% on average per year.
EPS 1Y (TTM)34.5%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%44.26%
Revenue 1Y (TTM)31.56%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%60.43%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XYF Yearly Revenue VS EstimatesXYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
XYF Yearly EPS VS EstimatesXYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 0.5 1 1.5 2 2.5

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4

4. Valuation

4.1 Price/Earnings Ratio

XYF is valuated cheaply with a Price/Earnings ratio of 3.00.
Compared to the rest of the industry, the Price/Earnings ratio of XYF indicates a rather cheap valuation: XYF is cheaper than 100.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of XYF to the average of the S&P500 Index (27.13), we can say XYF is valued rather cheaply.
Industry RankSector Rank
PE 3
Fwd PE N/A
XYF Price Earnings VS Forward Price EarningsXYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

XYF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. XYF is cheaper than 90.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.57
XYF Per share dataXYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The excellent profitability rating of XYF may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.18
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

XYF has a Yearly Dividend Yield of 2.84%.
Compared to an average industry Dividend Yield of 4.16, XYF pays a bit more dividend than its industry peers.
XYF's Dividend Yield is a higher than the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 2.84%

5.2 History

XYF has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
XYF Yearly Dividends per shareXYF Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
XYF Yearly Income VS Free CF VS DividendXYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B 1.5B

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X FINANCIAL-ADR

NYSE:XYF (9/2/2025, 10:11:00 AM)

15

-0.2 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-19 2025-08-19
Earnings (Next)11-26 2025-11-26
Inst Owners3.89%
Inst Owner Change97.91%
Ins Owners2.99%
Ins Owner ChangeN/A
Market Cap633.14M
Analysts45
Price TargetN/A
Short Float %3.97%
Short Ratio0.39
Dividend
Industry RankSector Rank
Dividend Yield 2.84%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-Date09-26 2025-09-26 (0.28)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 3
Fwd PE N/A
P/S 0.68
P/FCF N/A
P/OCF N/A
P/B 0.61
P/tB 0.61
EV/EBITDA 1.57
EPS(TTM)5
EY33.33%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS21.92
BVpS24.69
TBVpS24.57
PEG (NY)N/A
PEG (5Y)0.18
Profitability
Industry RankSector Rank
ROA 13.52%
ROE 21.99%
ROCE 43.1%
ROIC 32.59%
ROICexc 32.59%
ROICexgc 32.71%
OM 62.29%
PM (TTM) 24.76%
GM 72.95%
FCFM N/A
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
ROICexc(3y)18.79%
ROICexc(5y)N/A
ROICexgc(3y)18.94%
ROICexgc(5y)N/A
ROCE(3y)21.77%
ROCE(5y)N/A
ROICexcg growth 3Y18.75%
ROICexcg growth 5Y4.96%
ROICexc growth 3Y18.81%
ROICexc growth 5Y10.59%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
F-ScoreN/A
Asset Turnover0.55
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF N/A
Debt/EBITDA 0.61
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.5
Quick Ratio 1.5
Altman-Z 2.92
F-ScoreN/A
WACC2.72%
ROIC/WACC11.98
Cap/Depr(3y)148.84%
Cap/Depr(5y)104.75%
Cap/Sales(3y)0.19%
Cap/Sales(5y)0.18%
Profit Quality(3y)68.29%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)34.5%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%44.26%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.56%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%60.43%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y63.8%
EBIT growth 3Y38.13%
EBIT growth 5Y33.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y87.3%
FCF growth 3Y50.06%
FCF growth 5Y20.85%
OCF growth 1Y87.07%
OCF growth 3Y50.23%
OCF growth 5Y20.46%